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Visa BalanceTransfer

No Balance Transfer Fee

Intro Offer

6.49

%
APR*

0

%
APR*

FOR 6 MONTHS

THEN ONLY

FEATURES

Low Rate

Special balance transfer intro
rate of 0.00% APR for first 6
monthly billing statements.

Stays Low

After 6 months you pay just 6.49% APR, The Wall Street Journal Prime Rate +1.74%, until transferred balances are paid in full.

10.49%, 13.49%%, or 15.49% APR**
based on your creditworthiness. Credit lines up to $25,000.

New Purchases

No Nickle + Diming

No Balance Transfer Fee

No Annual Fee

No Cash Advance Fee

No Over Limit Fee

Cash Back

1% cash back on
all purchases***

cash back icon
Currency coins with a slash over it
stays low arrow pointing down icon
stays low arrow down icon
new purchases shopping cart icon

RATES

* | Annual Percentage Rate (APR) of 0.00% is for balance transfers for the first 6 monthly billing statements, then the APR will be a low variable rate of Prime Rate plus 1.74%, currently 6.49%. The 6.49% APR is variable and is equal to The Wall Street Journal Prime Rate + 1.74%. The APR will be adjusted on the first day of each billing month by adding 1.74% (the “margin”) to The Wall Street Journal Prime Rate as published on the last business day of the preceding calendar month (the "index"). This rate is available for balance transfers only. Balance transfers can not be used to pay down an existing Direct Federal loan balance. 


** | APR of 10.49%, 13.49%, or 15.49% based on your creditworthiness for purchases and cash advances. The APR is variable and will be adjusted on the first day of each billing cycle by adding 5.74%, 8.74% or 10.74% (the “margin”) to The Wall Street Journal Prime Rate as published on the last business day of the preceding calendar month (the "index"). 


*** | Cash back applies to purchases posted on your account less credits for returned merchandise. Point cash value of $.01 will be earned for every qualifying dollar. Minimum of 5,000 points required for redemption. Rewards will be redeemed every November.

Balance
transfers

  • No Annual Fee

  • No Balance Transfer Fee

  • No Cash Advance Fee  

  • No Over Limit  

  • Foreign Transaction |  1% of each transaction in US dollars

  • Return Check | $10

3 10.49%, 13.49%%, or 15.49% 

based on your creditworthiness 

USED FOR

APR

FEES

0.00% Intro rate for the first 6 monthly billing statements; then, 6.49% (The Wall Street Journal Prime Rate +1.74%)

Purchases and 

cash advances

Contact

FAQ

ARE THERE ANY FEES ASSOCIATED WITH MY DIRECT FEDERAL VISA?

If your payments are on time, there are no fees.

HOW CAN I GET CASH ADVANCES USING MY DIRECT FEDERAL VISA?

You are eligible for cash advances by going to ATMs or banks that are part of the Visa network.

HOW DO I APPLY FOR A DIRECT FEDERAL VISA?

It’s simple. Just complete our secure online application or call us at 781.455.6500.

WHAT IS THE CREDIT LIMIT ON A DIRECT FEDERAL VISA?

You can apply for a credit limit of up to $25,000.

HOW CAN I INCREASE MY CREDIT LIMIT?

To increase your existing credit limit, either complete our secure online application or give us a call at 781.455.6500.

HOW LONG WILL IT TAKE TO RECEIVE MY DIRECT FEDERAL VISA CARD?

Your Visa credit card is mailed on the third business day after your account is set up.

WHAT IS THE "NORMAL" INTEREST RATE ON A DIRECT FEDERAL VISA?

The rate can vary monthly and is based on the Prime rate published in The Wall Street Journal.

CAN I PAY MY DIRECT FEDERAL VISA BILL ONLINE?

Yes. You may pay your Direct Federal Visa bill online using your Checking Account.

HOW WILL WE CALCULATE YOUR BALANCE

We use a method called “average daily balance.” Refer to the section “Finance Charges” within the Agreement for more information on how your balance is calculated.

BILLING RIGHTS

Information on your rights to dispute transactions and how to exercise those rights is provided in the Agreement.

direct federal credit union

© 2020 DIRECT FEDERAL CREDIT UNION

Equal Opportunity  Lender.
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.